I don't know where you get this "xm has no dj's" thing.
XM doesn't have DJs on all the channels on the air at all times, but where they are, they add exactly the kind of insight and personality and information about the music that one could hope for.
This is particularly true of XMU (tobi), Fred (stabwalt, teegan, bachman), the loft (mike marrone), and XM Cafe (their names escape me right now). It's also true of other XM channels to which I listen much less (most if not all the decades channels, for example, are fully DJ'd). And if you send them emails or call them, they're completely accessible.
"commercial product." well, what isn't? what CDs do you own that were given to you free by the socialist collective? what bands do you like perform freely all the time and not charge you in some way shape or form for the music? When Bill Gates decides to become a musician and give it all away for free, great. Until then, I'm gonna keep buying CDs, concert tix, and my XM subscription.
Bellensab, all I can tell you is, XM is a whole lot closer to being what you describe than you think, if it isn't all that and more. it is highly doubtful that any of the posters here who love their XM would speak as glowingly about FM radio. if you haven't tried it, you can't really knock it.